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CB Financial Services, Inc. CBFV

Nasdaq · stock · State Commercial Banks · website · IPO 1994-03-09 · LEI

CB Financial Services, Inc. statistics & valuation

Market cap$192.5M
P / E39.3×
P / B1.2×
P / FCF11.2×
Dividend yield2.67%
Return on equity3.1%
Graham number -34.5%$24.79

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($24.79); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
8.50% 7.40% 5.10% 9.50% -7.90% 8.70% 10.20% 16.10% 8.50% 3.10% 2016201720182019202020212022202320242025
Shares outstanding
4.1M 4.1M 5.4M 5.5M 5.4M 5.4M 5.1M 5.1M 5.3M 5.3M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.90% 0.70% 0.60% 1.10% -0.80% 0.80% 0.80% 1.50% 0.90% 0.30% 2016201720182019202020212022202320242025
Free cash flow margin (%)
23.90% 21.20% 34.90% 29.00% 24.50% 2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$1.86 $1.69 $1.40 $2.63 -$1.97 $2.15 $2.18 $4.40 $2.38 $0.92 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

CB Financial Services, Inc. trades at about 41.1× earnings — above its 10-year norm (10-year range 5.3×–38.9×, median 12.5×).

5.3× 41.1×

Shaded band = 10-year range (5.3×–38.9×); dot = today's 41.1×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin————26.6%-22.4%28.1%16.2%21.4%—
FCF margin————24.5%29.0%34.9%21.2%23.9%—
Return on assets0.3%0.9%1.5%0.8%0.8%-0.8%1.1%0.6%0.7%0.9%
Return on equity3.1%8.5%16.1%10.2%8.7%-7.9%9.5%5.1%7.4%8.5%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.